We analyze online checking accounts in the U.S. to uncover which have the best earnings, benefits, and the lowest fees. Learn more about our methodology here. Bank awards methodology

1. Best Checking Account with Free Checks

Ally Bank Interest Checking

A+ MyBankTracker Rating

No monthly fees. Up to $10 in monthly ATM fee refunds. 24/7 live customer service.

Best Feature: Free standard checks and cashier’s checks.

Ally Bank Logo

Ally Bank’s Interest Checking deserves an award for its overall fee policy that includes unlimited, free standard checks and cashier’s checks. Most other checking accounts only offer the first checkbook for free. Ally’s online checking account also comes with no monthly fees, ATM fee rebates, and free overdraft transfers (from other Ally accounts).

  • Earn

    Earn a high APY, depending on your account balance

  • Fees

    No monthly fees

    Free ATM access at 43,000+ Allpoint ATMs and up to $10 in monthly

    Free Ally standard checks and cashier’s checks

    No overdraft protection transfer fee

  • Benefits

    Popmoney feature allows you to send money to friends with ease

    Live 24/7 customer service

    Mobile app available on the Apple App Store and Google Play

2. Best No-ATM-Fee Checking Account

Radius Bank Radius Hybrid

A MyBankTracker Rating

High yield checking. Free ATM access worldwide. Access to overdraft line of credit.

Best Feature: No fees for monthly service and ATMs at all.

Radius Bank Logo

Radius Hybrid wins thanks to its low fees. With the Radius Bank Hybrid Account, you’ll never have to pay a monthly service fee or ATM fee. And, if you use an out-of-network ATM, you get unlimited refunds of those fees. This account also comes with high-yield interest rates to help you earn more for your checking.

  • Earn

    Earn a high APY on the portion of the balance that is over $2,500

  • Fees

    No ATM fees on Radius ATMs, unlimited rebates for out-of-network ATMs

    No monthly maintenance fee

  • Benefits

    Free access to overdraft line of credit (interest rate applies)

    Radius Pay a Friend feature allows you to send money with ease

    Mobile app available on the Apple App Store and Google Play

3. Best Low-Fee Checking Account

Bank5 Connect High-Interest Checking

A+ MyBankTracker Rating

ATM reimbursements of up to $15/month. High rates. No monthly fee.

Best Feature: Fees are much lower than a typical big bank checking account.

Bank5 Connect Logo

Bank5 Connect offers a high-interest checking account for fees that are much lower than the competition. There’s no monthly fee, overdraft fees are only $15, and you get up to $15 per month in out-of-network ATM fees refunded. All this ensures that the high interest rates you’re earning stay in your pocket.

  • Earn

    Earn a competitive APY

    Use your debit card (signature purchase) and earn 1 point for every $2 spent

    Overdraft fee is $15

  • Fees

    No monthly fee or minimum balance requirements

    Get up to $15 in ATM fee refunds per month

  • Benefits

    Pay People allows you to send money to friends with ease

    Mobile app available on the Apple App Store and Google Play

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